Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

The average auto insurance rates for a Toyota Tundra are $1,442 annually with full coverage. Comprehensive costs an estimated $306, collision costs $506, and liability insurance is estimated at $450. A liability-only policy costs approximately $518 a year, with high-risk insurance costing around $3,106. Teen drivers cost the most to insure at $5,420 a year or more.

Average premium for full coverage: $1,442

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

The example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details estimated Toyota Tundra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $843
• Choosing higher $1,000 deductibles can save approximately $182 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,442
• Choosing pricier low deductibles for comp and collision coverage will cost $1,800
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,106 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,420 each year

View Chart as Image

Car insurance rates for a Toyota Tundra also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers ranges anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Tundra insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Cheapest Toyota Tundra Insurance

Finding cheaper rates on Toyota Tundra insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers that have major violations or accidents pay on average $1,660 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Teenage drivers have the highest car insurance rates, as much as $452 each month if comprehensive and collision insurance is included

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.